... this will be the reason: Munster's own Three Floyds Brewpub. I haven't yet been there, but from buying their wares in Chicago supermarkets I will assert that Three Floyds makes as consistently excellent a range of beers as any outfit I have ever come across. (And yes I'm talking about you, Lagunitas -- and North Coast, and Rogue, and Stone, and Victory, and Full Sail, and REEB, and ....)
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?